Hi sifus,

If I claim OD-KFK (Knock-For-Knock) and I am NOT at fault, I understand that my NCD will not be reduced.

However, since there is a claim record against my own insurer, will it affect my premium in the future? (Or will it affect my excess?)

Also, will the NCD of the party at fault be affected? Since I am claiming my own insurance, and not the third party.